I am reaching out during a time of financial hardship. I have always worked hard to support my wife and four children, but a series of unexpected emergencies has completely overwhelmed our budget.
It started when I broke my knee in the academy. I exhausted my savings and credit cards while recovering. Unfortunately, I couldn’t keep up with my credit cards and they closed out. After graduating, my transmission failed. Living in Arizona, a reliable car is mandatory for work, so I had to sell the old one and finance a replacement. Because of my credit at the time, the only option was a $16,000 loan at 18% interest.
I then used the last of my savings to keep rent and utilities current so we wouldn’t fall behind. Shortly after, I tore my bicep tendon and have been covering those medical costs out of pocket.
Right now I face $2,159 in fixed monthly debt payments on top of $2,100 rent and water. Three high-interest short-term loans alone take nearly $930 from every paycheck:
• Cherry (dental): $1,389.15 remaining → $249/month
• Sunbit (auto repairs): $500.64 remaining → $71/month
• Affirm (groceries, repairs, school supplies, clothing): $3,627.85 remaining → $505/month
I have not missed a single payment, but these bills now exceed my income and leave almost nothing for groceries and daily needs.
How every donation will be used
All funds will go directly toward paying off these three accounts to free up monthly cash flow. Immediate targets:
1. Pay off Cherry ($1,389)
2. Pay off Sunbit ($501)
3. Pay off Affirm ($3,628)
4. Anything extra goes towards creating a small buffer so I can stay current on the auto loan and refinance out of the 18% rate into a credit-union loan. Paying off credit cards.
If you cannot donate, sharing this link still helps enormously. Your support, kindness, and prayers mean the world as I work to stabilize my household.
Thank you from the bottom of my heart.
